Here is what I need to know. When was the amendment to the FCRA effective? I mean the one that requires "furnishers of credit information" to update results to all credit bureaus to whom the information was provided. It looks like the law was amended 9/96, effective 360 days later, or 9/97. Am I right? It looks like I did a dispute 11/97 of accounts from NELA. It shows the information was verified 11/97 on my credit report, but I don't have any confirmation letter from Trans Union. Also, no Consumer Dispute Verification showed up in the NELA files I requested under the request for Production of Documents. So, is the evidence of any real weight, and was the new law in effect?